Fitzsimons Credit Union

rss

Fitzsimons Credit Union blog


How to Save Money While You're a Student

How to Save Money While You're a Student

Money might be tight when you’re in college, but it’s not impossible to find ways to save. Here are some simple ideas. 

Budget
It’s essential to create a spending plan so you know where and how you’re spending your money. This allows for better spending habits. Without knowing where your money is going, it’s impossible to know what to cut back on. Too many dinners out with friends and an unexpected book you have to buy for class and suddenly all the money you have for the month could be gone. Consider downloading a budgeting app to help you keep track of your personal finances. Get started on setting up an emergency fund for unexpected situations, the standard is to have about three to six months worth of living expenses set aside.

Food 
Prepping meals at home can save you a lot of money. One meal out can cost as much as one cooked meal that includes leftovers for two more meals. Never go grocery shopping when you’re hungry. Stock up on sale items you can easily store or freeze to save time and money. Cooking at home is often more nutritious, which can play in a role in your overall wellbeing and performance in school. Even though eating out can be tempting and convenient, try to limit your food expenses and stick to your budget. Take advantage of coupons or special offers when you can to help stretch out your food budget.

Textbooks
Before you go out and buy the newest copy of each book for your classes, check to see if you can get by using an earlier edition. Be sure to shop around for the best prices, websites like cheapesttextbooks.com can help you find books online for the best price and many schools have Facebook group pages where students post their old textbooks for sale. Renting from your school bookstore or from online textbook retailers like Chegg can be another great option. Sometimes you can even find textbooks at the library. If you have to resort to buying a textbook at full price, take good care of it so you can sell it back at the end of the semester.

Entertainment
Staying busy for cheap while in college should never be a problem. Instead of going out and spending money on entertainment, check out the free events that your campus has to offer—concerts, movies, speakers, sporting events. Always check and see if student discounts are available to you. Stay in shape with the free fitness classes or intramural sports that are offered at your school’s recreational center. Join clubs on camps, which can help you learn new skills and open up future opportunities for you. Lastly, ditch your cable—watch shows and movies online. Online retailers like Amazon offer students a six-month trial period for their streaming services and after the trial period is over, students can choose to keep the service for an annual fee of $49.

College is supposed to be fun and about opening up new possibilities for yourself. Even though it can be expensive it’s important to live within your means as much as possible. Try your best to prepare for your future after college and try to utilize grants and scholarship as much as possible to keep tuition costs low. If you do find that you need a little extra financial assistance during college you can take advantage of the Sallie Mae Smart Option Student Loan® that is available to members of Fitzsimons Credit Union.




Comments are closed.


Tags

equity mortgage skimming telephone scam 104EZ 1st home 1st Mortgage 2nd Mortgage a partnering credit union accounts anniversary anschutz ANSCHUTZ CAMPUS anschutz campus credit union anschutz credit union anschutz credit unions anschutz financial institution apps ATM atown Aurora aurora community Aurora Credit Union aurora credit unions auto auto loan auto loans AUTO PROMO auto promotions auto purchasing AUTO REFINANCE black friday borrow budget budgeting budgets building credit building teen credit business accounts buying a house buying a new car buying an old car calls car buying CAR DEALS car financing car refinance CARBUYING carbuying for teens Cardvalet cars CARS IN AURORA cars to fit your family checking Children savings accounts childrens hospital Childrens Hospital Colorado childrens miracle network childrenshospital CHRISTMAS MONEY christmas presents cmn college college affordability COLORADO Comitis Crisis Center Community community credit union Community Involvement Aurora conserve credit credit building credit card credit history credit report credit score Credit Union Credit Union Leaders credit union strong Credit Unions for Kids credit unions in aurora CUNA cutting costs cybersecurity data breaches debt debt-payoff Denver Area Credit Union deposit diy do it yourself Dreams Thrive Here drive-in education Emergency Funds equifax Executive Team experien extra income Extrasbenefits Fin Lit finance a business finances financial education financial fit financial goals financial literacy Financial Literacy Classes financial mistakes financial planning Financial resources for parents FINANCIAL STABILITY financing your vacation finding the right car for you fitzsimons fitzsimons army hospital FITZSIMONS CREDIT UNION Fitzsimons Credit Union CEO fraud free credit report free tax help getting ready to move gift cards Giving Back goals Grocery Cart Races h&r block h&rblock HELOC Helping the homeless hispanic outreach historic aurora history holiday accounts holiday budget HOLIDAY LOAN HOLIDAY SAVINGS holiday shopping' holidays home home buyer Home buying home improvements home investing Home Loans home selling homebuying homebuying mistakes housing how to prepare house to be sold how to save money on auto loans identity identity theft ilovemycreditunion income tax income tax return insurance interest rates Internal revenue service International credit union day invest IRS Juntos Avanzamos Juntoz Avanzamos Keller William:5280 Home Team kellerwilliams lastpass leasing a car library line of creditt loan loans LOCAL making your money work for you member appreciation event. member benefits Millennials house mobile app mobile deposit money mortgage Mortgage Loan mortgage refinance moving my tax return national credit union month Nerdwallet new car new home new vs. old car NEW YEARS FINANCIAL RESOLOUTION new years resolution new years resolutioons online online learning and fun online safety Partnering Credit Union phone photo deposit ProtectMyID rainy day fun read realtor advice red rocks REFINANCE representative retirement safety save SAVE FOR THE HOLIDAYS saving Saving for a vacation SAVING HABITS saving money SAVINGS savings for children savvy saver accounts scam scholarship grants school security security breaches selling your home selling your house senator Small Business small business loans small houses smart savings smartphone southlands Southlands credit union spanish speaking stanley marketplace starting a business stolen identity student loans SUMMER SUMMER DEALS summer vacation taming the debt dragon TAX HELP tax prep software Tax refund Tax return tax season tax tips Taxes teachable moments teaching children about money teen accounts teen debit cards teen scholarships thanksgiving thanksgiving dinner TOGETHER WE ADVANCE TURBOTAX used car used car loans Vacation vacation savings vacation tips VEHICLE REFINANCE Von Willebrand Disease VP of Finance wealth winter is coming WITHHOLDINGS Youth youth month youth savings accounts

Federally insured by NCUA |  Equal Opportunity Lender  |  © 2019 Fitzsimons Credit Union  |  303-340-3343  |  1-800-933-5839

Fitzsimons Credit Union recognizes the importance of ensuring our website is accessible to all users. We are in the process of redesigning our site in accordance with the requirements of the Americans with Disabilities Act (ADA) and will be publishing updates to the website within the next several months so that our content is readable via non-graphical, text-only browsers. We appreciate your patience during this process.

FitzsimonsCU.com links to third party websites that may not be controlled or owned by Fitzsimons Credit Union. Fitzsimons Credit Union may not be responsible for the content of the alternate web site neither does it represent either the third party nor the member if the two enter into a transaction. Fitzsimons Credit Union does not represent either the third party or member if a transaction is entered. Privacy and security policies may differ from those practiced by FitzsimonsCU.com.

NMLS #459085
     
Shared Branch Logo  CO-OP ATM Logo Centennial Logo

AutoTrek Logo

  CUDC Logo

AFF NCUA LogoEqual Housing Logo      

Please Note:

You are now leaving the Fitzsimons Credit Union website. We are not responsible for
the privacy practices of any other web site. We encourage you to read the privacy policies
of any web site you access, especially if individual identifying information is being collected.

Fitzsimons Credit Union does not represent either the third party or member if a transaction is entered.

Continue Cancel

Don't ask again